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Responsibilities:Review loan applications and assess applicants' creditworthiness based on established criteria and risk assessment models.
Analyze financial statements, credit reports, and other relevant documents to evaluate applicants' income, assets, liabilities, and payment history.
Review credit risk for new applications and existing customers by carrying out credit worthless checks and making credit limit recommendations, evaluate and mitigate credit risks.
Calculate debt-to-income ratios, credit scores, and other key metrics to gauge borrowers' ability to repay loans.
Make evaluations on all information provided by customers, ensuring all data is accurate and follows guidelines.
Make informed recommendations regarding loan approvals, rejections, or modifications based on the results of credit analysis and risk assessment.
Ensure that decisions are consistent with established credit policies, lending guidelines, and regulatory requirements.
Foster collaborative relationships with the internal sales team to streamline the loan approval process and enhance overall efficiency.
Conduct periodic credit evaluations and meetings with the sales team on existing customers, formulate and implement credit control procedures.
Responsible for minimizing defaults and bad debts of ongoing loans.
Perform other duties as assigned.
Job Requirements:Candidate must possess at least a Bachelor Degree in Finance, Accounting, Banking or equivalent.
At least 1 year of relevant working experience, preferably in credit evaluation.
Required Language(s): Bahasa Malaysia & English.
Fresh Graduates are encouraged to apply.
Able to work immediately.
Staff Benefits:Annual Medical Checkup (Leader and Above)
Annual Medical Checkup (Staff with more than 1 year of service and aged above 30 years)
Housing Allowance
Education Benefits
Medical Life and Accident Insurance for all staff
Position Allowance (Instructor and Leader)
Birth Allowance
Loyalty Award
Cleaning and Good Attendance Award
Team Entertainment Allowance
Bereavement Allowance
Field Visit Allowance
Accommodation Allowance (for Visit)
Your application will include the following questions:
What's your expected monthly basic salary?
Which of the following types of qualifications do you have?
JCL Credit Leasing Sdn. Bhd. is a Japanese-owned company with its Headquarters located in Tokyo. We specialize in the area of Microfinance, with our major product being Personal Loans. Our strength lies within the experience gained from operating in Japan for more than 15 years. Our operation in Malaysia is part of our initial step to further expand our business in the Asian market.
Well-performing staff will be provided equal opportunity to be promoted to leader and above positions.
Promotion within a short period (half a year) is possible if the particular individual performs well.
Our Vision:We will offer products and services of Microfinance in areas where we believe we can make a difference and achieve competitive business results to increase the standards of wealth and happiness of the general public and our shareholders.
Our Mission:To provide great opportunities to people by financing their needs so that they may achieve their dreams and goals and to support and promote the growth of the micro-economy and greatly contribute to the development of the sector.
Provide the best service possible for customer satisfaction by building genuine customer trust, confidence, profit, and transparency.
Professionally operate with high performance to become the market leader in the industry and continue to grow the value of our customers, shareholders, and the company.
Provide a workplace where employees may learn from each other in a safe, honest, and free-minded environment.#J-18808-Ljbffr